PERSONAL FINANCE LEARNING CENTER

The Pros and Cons of the Delta SkyMiles American Express Credit Card

If you haven’t heard of Delta credit cards offered by American Express, then you’re missing out on several benefits that your business could use. The American Express Delta Gold SkyMiles travel rewards card is one such credit card and the benefits are plenty. Of course, there are a couple of drawbacks as with any credit card so it’s important to know your options.

Every successful business person travels, some more than others. So, wouldn’t it be nice if you were rewarded for spending all that cash on plane tickets and other travel expenses? Especially if you travel a lot.

If you Travel with Delta often and you’re in need of a new business credit card, then you’ll appreciate this Delta SkyMiles card review. Keep reading to learn more.

Editor’s note: If you like this article, feel free to join the conversation and leave your comments at the bottom!Check out for more credit cards reviews.

A Delta SkyMiles Card Review

Every business owner that travels should have a travel rewards credit card in their wallet. It makes traveling less complicated and you get the rewards to cash in on later. This can be a way to take a much-needed vacation or save on a future business trip.

It’s important to understand your travel habits before you sign up for any credit card that promises benefits. You’ll want to recognize how an individual credit card can benefit you and your business, not just the various benefits it carries. That said, if you most frequently travel using Delta airlines, this could be the credit card for you.

The Basics

This credit card has an enticing sign-up bonus with 30,000 miles that never expire. And, you can add to those miles anytime beginning the moment you receive your card. You’ll earn 2 miles for every dollar spent on Delta purchases and 1 mile for every other purchase on the card.

There are several things to consider if you think this is the best credit card for your business. Here are some pros and cons:

The Pros

When it comes to credit cards, you really must weigh out how each advertised benefit actually benefits you and your business. Sometimes, even if just one or two perks will make a positive impact on your spending, then it’s a good credit card. Other times, it really only makes a difference if you spend a particular way or in a particular area, such as the case with the Gold Delta SkyMiles Credit Card.

Listed here are some features of the Delta card that you may enjoy:

Pay With Miles

If you want a way to save money on flights, then this feature will peak your interest. All you have to do is use your card and rack up miles. As you collect enough, Delta allows you to turn them in for discounts on airfare.

Sometimes you can get flights for free depending on how many miles you have saved up. It breaks down to a reward value of $100 for every 10,000 redeemed.

First Checked Bag Free

If you travel a lot and carry-on luggage just doesn’t cut it, you can surely benefit from the free checked bag feature that comes with carrying this card.

Checked bags are $25 each after your first checked bag but you’ll be saving a total of $50 round trip with the savings.

Priority Boarding

If you don’t like waiting in long lines, then you’ll love taking advantage of Priority Boarding. You’ll be loading with Zone 1 so you can get in your seat and settled faster on your Delta flights.

This is especially beneficial to frequent business travelers that are communicating with their offices and need a place to sit and perform business until the flight takes off.

In-Flight Savings

Whether you’re on a long cross-country flight or it’s a quick trip down the countryside, you’ll enjoy 20% off in-flight purchases. that includes food, beverages, and media upgrades. You’ll need to use your Delta SkyMiles credit card for those purchases, of course.

The savings will come back to you after each flight in the form of a statement credit.

No Foreign Transaction Fees

Foreign transaction fees can run anywhere from 3%-5% depending on the credit card. These are significant charges that add up when you’re overseas.

The Cons

Depending on how you look at it with this card, there could be a couple of drawbacks that may deter you from choosing it. Remember to always select your credit cards carefully according to how your business spends money. It’s wise to perform a detailed analysis of your spending habits and how the card will factor into these expenses.

Pay attention to the following drawbacks of using this credit card.

Annual Fee

If you don’t like paying an annual fee, then this credit card may not be for you. You will be charged $95 per year to use this card and the various benefits. If it’s not going to benefit you more than it’s worth, then you can find a different travel card.

Delta Airlines Only

This card is geared toward the business traveler that uses Delta airlines exclusively. You will not receive rewards for traveling with other airlines. But with the many benefits of using Delta combined with this credit card, you wouldn’t want to travel with any other airline anyway.

The Verdict

The Delta SkyMiles Card is a good option if you travel with Delta at least a couple of times per year. Once you spend $700 on flights, you’ll start seeing benefits. The annual fee is waived for the first year as a welcome bonus as well.

Instead of wondering what the best credit card for your business is, keep this Gold Delta SkyMiles Credit Card review in mind. It’s a fair and valuable card that will serve you well for years to come if you continue to travel a lot.

We hope you’ve enjoyed this Delta SkyMiles card review. If you want to see more about the best travel rewards credit cards, visit our website for more information.

About Post Author

Jennifer is a credit cards expert at Bonsai Finance. As a world traveler, she has visited 30 countries in 6 continents and counting, with much of that travel on points. Jennifer has a bachelor’s degree from Colgate University and a Masters from SUNY Oswego. Her wallet holds 8 credit cards and counting.